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It’s not packed with features, but with virtual-card technology Final is a stellar defense against fraud.

First Bank & Trust is no longer accepting applications for the Final credit card. Cardholders can still make payments and redeem rewards for now, but all accounts will be closed soon. Compare other credit card options.

Get this card if… credit card security is your top priority.

Pick something else if…you think your current provider’s fraud department is doing a good job or if you want more powerful cash back rewards.

The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.

Up to 21 days

Returned Payment Fee

$35

Foreign Currency Conversion Fee (VISA)

Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.

2.5% of transaction value

Minimum Interest

$0.50

Minimum Credit Score

Fair (660-699)

Minimum Age

18 years of age

Annual fee

$0

Returned Payment Fee

$35

Over The Credit Line Fee

$0

Late Payment Fee

$25

Cash Advance Fee

Cash advances are not available with this account

The Basics

If you’ve been burned by credit card fraud — or worry you may become a victim sooner or later — the Final Card might be for you. The card gives you complete control over who can make charges to your accounts.

Yes, that’s “accounts,” plural: The Final Card doesn’t limit you to just one card number. Instead, you get a new number for each merchant you spend with. If you’d like, you can limit the total each merchant can charge to your card. You can also create one-time-use cards for single purchases and recurring cards for subscriptions.

The point is to limit the damage a fraudster can wreak on your finances. If someone were to steal your credit card information from a Walgreens database, for example, they couldn’t go on a spending spree at Target or Walmart.

Furthermore, if fraud somehow infects one of your card numbers, it’s isolated from the rest of your accounts. You won’t have to wait for a replacement card or update your card info for your numerous subscriptions.

Has the Final Card come at the perfect time?

With increasing frequency, we’re seeing big hacks at some of the world’s largest companies. Here are just a few major breaches that have occurred recently:

In a well-publicized hack, Target lost card data for 40 million customers. A class-action lawsuit claimed that Target hadn’t implemented sufficient security measures to prevent the hack.

InterContinental Hotels Group, which runs properties like Holiday Inn, had its own run-in with hacking. A data breach affected almost 1,200 of the company’s hotels, and many customers reported unauthorized charges on their credit cards.

There’s a scary implication: Even if you’re careful with your credit card information, retailers might not do enough to protect it.

In that light, the Final Card could be just what security-conscious consumers need. Final doesn’t eliminate fraud, but it mitigates the effects of having your credit card information stolen.How credit card security works

How the Final Card works

If you’re approved for the Final Card, you’ll get a physical card in the mail. You can also generate virtual credit cards from your phone. (Virtual cards are randomly generated card numbers that you can use to make purchases.) To organize your virtual cards, you can store them in a digital wallet like Apple Pay or Android Pay.

When you make a purchase, you create a merchant-locked card. For instance, if you buy something from Amazon.com, you’ll have a virtual card that can be used with Amazon only.

You can also create a one-time-use card. This account number is good for a single purchase and is deactivated after you use it.

Once you use a virtual card, a receipt is sent to your phone, allowing you to verify transactions in real time.

Is the Final Card worth getting?

Virtual card features aside, the Final Card is simply a solid card — no more and no less. It has no annual fee, which is always welcome. However, it offers only 1% cash back on everything you buy. You’ll find better earnings with other no-annual-fee cards like the Citi Double Cash and Chase Freedom Unlimited.

Furthermore, the Final Card is relatively light on perks. Its sales page highlights no overlimit fees, an autopay option, EMV chip technology and fraud coverage. But those come standard with many other cards, and they do little to differentiate the Final Card.

All in all, you probably won’t get the Final Card for its add-ons. Instead, you’ll get it for its single-minded focus on security.

If you’re highly concerned about credit card fraud, the Final Card is what you’ve been looking for. In an age of crafty hackers and retailers reluctant to invest in payment security, the Final Card’s virtual-card features are an excellent defense.

Before you settle on the Final Card

Creating multiple virtual cards isn’t a new concept. For example, Discover is just one provider that lets customers create multiple card numbers early on. (Its Secure Online Account Numbers program was discontinued in 2015.)Other providers allow you to create virtual cards — like Bank of America’s ShopSafe and Citi’s Virtual Account Numbers — with few restrictions.

Bottom line: The Final Card isn’t the only game in town. Before settling on it, check out what other card providers bring to the table.

The Perks

Cash back on all purchases.Earn 1% cash back on everything you buy.

Generate virtual cards.Get a unique credit card number for each merchant, or generate single-use numbers for one-time purchases. Deactivate card numbers whenever you want, and set limits for how much merchants can charge to your card.

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